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Citi hearing. Judge decided £8.00!!


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Before your case is called

 

Arrive in good time.

 

Don't drink to much liquid beforehand - if your case is called while you're in the toilet, it might get dismissed because of your 'failure to appear'.

 

Make sure you have copies of everything with you. Even the things you think you'll never need. A looseleaf binder is good for this, so that you can take out pages if you need to.

 

Have a written list of any important points you want to make, or questions you need to ask. Don't rely on memory for this.

 

Take a notebook and pen.

 

During the hearing

 

Don't interrupt or butt in when someone else is speaking.

 

NEVER call anyone a liar.

 

Don't be afraid to ask for things to be explained to you.

 

Keep calm, don't shout. Take your time if you need to explain something complicated.

 

Write down any instructions from the judge there and then (using the notebook and pen). Likewise, be sure to note down any dates for future hearings, deadlines etc.

 

Good luck! :)

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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judge seemed to have handled a number of these cases, he went through the points quickly, said he could believe costs to banks were c£8,

was not happy citi would not share the data behind there figure of £12 said the burden of proof was theirs to show the figure of £12 not mine as I am not privvy to their accounts

 

anyway he set a figure of £8 for the charges and i get the difference, in essence i get 2/3s of the claim from start to finish

 

citi hired an outside barrister to plead the case, polite and friendly, not au fait with these cases, though will be checking her accounts..

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interesting!

 

Wonder why the Judge believes it is £8??

Abbey - Claim 1

full hearing 22 Feb 07 - Settled in full £710 :D

Abbey (Claim 2)

full hearing 22 Feb 07- Settled in full £4000 :D

Abbey (Claim 3)

Court date 27 June -

Capital One (claim 1)

£467 Settled in full 20 Sep :D

Capital One (claim 2)

£72 refunded 19 Aug :-D

Associates (Citicards)

claim 8 Aug/judgment by default 30 Aug/set aside hearing 9 Oct/Stay denied, ordered by Judge to reveal breakdown of charges andfull hearing 24 May/FULL DISCLOSURE ORDERED BY 8 MARCH/JUDGE TO STRIKE OUT DEFENCE AS NON-COMPLIANCE/DEFENCE STRUCK OUT PAYMENT IN FULL REQUIRED IN 14 DAYS

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Well it's not what we want but it is a step in the right direction.

 

Could you contact me urgemtly please. A landline number would be useful

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That is very interesting did Citi not provide any evidence as to thier costs. Can an arbitrary figure be handed down with out any basis in evidence?

First Direct - Settled in full :eek:

Lloyds TSB - AQ completed Central London CC :confused:

RBS - Settled in full :p

Morgan Stanley - Settled in full :lol:

Capital One - Settled in full ;-)

Citi Cards - Transfered to Mercantile Court 19/10/06

Nationwide - Settled in full 8)

Capital One Acct 2 - Prelim letter

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Sorry where were you in court? Was it anywhere near London as this may be the same team that I will be with tomorrow?!

First Direct - Settled in full :eek:

Lloyds TSB - AQ completed Central London CC :confused:

RBS - Settled in full :p

Morgan Stanley - Settled in full :lol:

Capital One - Settled in full ;-)

Citi Cards - Transfered to Mercantile Court 19/10/06

Nationwide - Settled in full 8)

Capital One Acct 2 - Prelim letter

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Yes not too bad, full post on the mercantile court thread

First Direct - Settled in full :eek:

Lloyds TSB - AQ completed Central London CC :confused:

RBS - Settled in full :p

Morgan Stanley - Settled in full :lol:

Capital One - Settled in full ;-)

Citi Cards - Transfered to Mercantile Court 19/10/06

Nationwide - Settled in full 8)

Capital One Acct 2 - Prelim letter

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It appears the judge may of erred here.

 

I have posted my thoughts on this in the general forum before. However, have copied them here as they are particularly relevant to these cases:

 

http://www.consumeractiongroup.co.uk/forum/citicards/51086-consequential-charges-arguement.html

 

However, I suspect BankFodder has already thought of most of this.

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I thought that in one of the relevent historical cases a precedent was set whereby if any of the charge is deemed to be an unlawful penalty, then the entire charge is an unlawful penalty.

  • Haha 1

NatWest Charges: £3708.81. Allocated to fast track 14/10/06. *SETTLED IN FULL* 23/10/06 5% donation made

 

HSBC Default Removal and £186 charges: N1 claim issued 28/11/06 *WON* 28/02/07 5% donation made

 

Egg Charges: £370. N1 claim issued 24/11/06. *SETTLED IN FULL* 12/01/07 5% donation made

 

Natwest Student: £150. N1 claim issued 24/11/06. *SETTLED IN FULL* 10/12/06 5% donation made

Natwest Credit card: £317.01 INCLUDING CONTRACTUAL INTEREST, *WON* 30/11/06 5% Donation Made

 

Ikano Data Protection Act deception and non-complience: N1 claim issued 28/11/06. *SETTLED IN FULL* 12/12/06 5% donation made

I am not a lawyer. All advice is merely my own opinion. Nevertheless, I've won £4675 so far!

Tip my scales if you like my advice :)

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